Which of the following is NOT covered under a standard homeowners policy?

Natural disasters such as hurricanes and earthquakes are typically not covered under a standard homeowners policy, making this the correct answer. Homeowners policies generally include coverage for certain specified perils, which typically encompass events like fire, theft, and liability for injuries occurring on the property. However, catastrophic events like hurricanes and earthquakes are often excluded from standard coverage due to their high risk and potential for significant damage.

To address the other choices, theft of personal belongings, liability for injuries on the property, and structural damage from fire are generally included in the coverage provided by a homeowners policy. Theft provides protection against loss of personal items, liability coverage protects the homeowner against claims of bodily injury or property damage occurring on their property, and coverage for fire damage includes repair or replacement of the home’s structure and possibly personal belongings damaged by fire.